THE TRANSFORMATION OF UKRAINE’S MONEY CIRCULATION IN THE CONTEXT OF INFORMATION-DIGITAL BANKING

The digitalization of the global economy has emerged as a defining trend of the 21st century, fundamentally reshaping monetary systems and financial interactions. In Ukraine, this process has catalyzed a shift from traditional cash-heavy models toward a transparent, integrated, and technologically advanced financial structure. The relevance of this study lies in the critical need to understand how information-digital banking tools influence the stability and efficiency of national money circulation amid rapid technological change and global economic integration. The purpose of this research is to investigate the transformation of monetary circulation in Ukraine within the context of the digitalization of the banking sector and the broader economy. Specifically, the study aims to analyze the transition from cash-based transactions to modern cashless payment forms and evaluate the impact of information-digital banking on the mechanics of money circulation. The results of the study reveal that the intensive implementation of electronic payment systems, internet banking, and mobile applications has significantly enhanced the transparency and efficiency of financial flows. The research identifies that these digital tools act as a primary catalyst for reducing cash usage and increasing financial inclusion among the population. Furthermore, the study highlights the vital role of institutional changes within the banking sector, which serve as a prerequisite for the effective functioning of digital payment instruments. The conclusions indicate that the digitalization of the economy is the core factor driving the modernization of Ukraine's financial and credit systems. This transformation creates a robust foundation for a modern information-digital economy, enabling the country to adapt to international trends and technological shifts. Ultimately, the transition to information-digital banking ensures the resilience and competitiveness of the national monetary system in a globalized environment.